EXHIBIT 10.4




J.P. TURNER & COMPANY, L.L.C.
     INVESTMENT BANKING DIVISION
                                                               December 19, 2003

Mr. Richard O. Dean
President
Ashcroft Homes Corporation
6312 South Fiddlers Green Circle
Suite 500-N
Englewood, CO 80111

     Re: Financial Representative Agreement with J.P. Turner 8 Company, LLC

Dear Mr. Dean,

     Thus letter (the "Agreement") is to confirm the engagement of J.P. Turner &
Company, LLC (the "Agent") by Ashcroft Homes Corporation (the "Company") on the
above date, for purposes of providing services as detailed herein in
consideration for the fees and compensation described below.

1.0 THE PARTIES

     1.1 The Company, with its principal office at 6312 South Fiddlers Green
Circle, Suite 500-N, Englewood, CO 80111.

     1.2 Agent, a Georgia limited liability company, with its principal office
at 3060 Peachtree Road, 11'x' Floor, Atlanta, GA, USA, 30305; Phone: (404)
479-8192 and Fax: (888) 704-7512.

     1.3 The persons executing this Agreement represent to each other that they
have full and complete authority to do so.

2.0 THE AGREEMENT

     2.1 The Company desires to consider selling securities (the "Offering").
The Offering shall be on terms and conditions satisfactory to the Company. As a
result of an introduction made through Agent to an investor, either a single
investor, several investors, or a related entity (collectively the "Investor"),
should all or any part of the Offering be placed with the Investor, the Company
shall owe Agent the fees described herein. Should the Company close on any
introduced transactions under this Agreement, it shall be understood that the
Offering met terms and conditions satisfactory to the Company.

     2.2 It is acknowledged by the Company that it has relied upon its own
advisors in evaluating all aspects of this Offering. The Company represents
that is has not relied upon any representations or statements made by Agent or
its employees concerning this Offering. Furthermore, the Company intentionally
waives and releases Agent from any and all claims or causes of action for any
losses or damages that the Company may sustain as a result of entering into this
Offering.

     2.3 The term of this Agreement shall be 1 year from the Effective Date (the
"Terns"). Upon expiration of this Agreement, Agent shall be entitled to receive
all accrued compensation, including any unpaid Cash Fees (as defined below),
Warrant (as defined below), and un-reimbursed expenses, if any.


                           J.P. TURNER & COMPANY, LLC
               3060 PEACHTREE ROAD, 11TH FLOOR, ATLANTA, GA 30326
                     PHONE: 404-479-8300 FAX: 404-479-8388


<PAGE>



 Ashcroft Homes Corporation
 Financial Representative Agreement
 December 22, 2003
 Page 2

     2.4 The Company shall be under no obligation to pay any fees or other
monies whatsoever to Agent unless the purchase of all or part of the Offering
contemplated by this Agreement has closed with the Investor (the "Closing"), if
the Offering is concluded through multiple fundings or stepped milestones, then
each such separate funding shall be deemed a Closing and the fees shall be paid
to Agent at each Closing as described. The total amount of the fee due Agent
shall be due and payable on the date of Closing and delivered simultaneous to
the Agent with the delivery of the funds to the Company. The Company shall be
under no obligation to consummate any such Offering, except upon such terms as
shall be acceptable to the Company in its sole discretion.

     2.5 The Company represents and warrants to the Agent that with respect to
the Offering: (i) the Company has consulted its own legal counsel on all aspects
of the Offering; (ii) Agent has not made any representations to the Company to
induce it to execute this Agreement other than those expressly and directly made
herein; (iii) the Company has performed its own due diligence investigation and
had the opportunity to ask questions of the Investor and its management team and
analyze their responses; (iv) the Company has not relied on any information,
representations or warranties of any individual or entity, including without
limitation the Agent, in connection with the Offering but for those made
directly, personally and expressly by the Investor in the definitive transaction
documents memorializing the Offering; and (v) the Company acknowledges that
Agent has acted solely as a finder and introduced the Company to the Investor.

     2.6 Prior to introduction to any particular Investor, Agent will first
disclose the identity of the proposed Investor to the Company. The Company, at
its sole discretion, can approve or decline whether such introduction can be
made to the proposed Investor. If the Company does not disapprove in. writing
whether such an introduction can be made to Investor within 48 hours of the
disclosure of an Investor by Agent to the Company, then such inaction shall be
deemed an approval. It is expressly agreed that the Company shall promptly
respond to all such introduction proposals. If approved, any proposed Investor
shall be deemed a proposed investor (the "Agent's Proposed Investor").
Compensation shall be triggered if an Agent's Proposed Investor, or parties
referred by an Agent's Proposed Investor, invest during the Term of the
Agreement, as amended, plus 180 days. If the Company in its sole discretion
agrees to a term sheet provided by Agent via one of Agent's Proposed Investors
by mutually executing the said term sheet, the Company will grant to Agent a
60-day exclusive period from the date at which the term sheet was consummated.

3.0 THE FEE

     3.1 The Company shall pay Agent a cash fee equal to 10.00% of the gross
proceeds of the Offering (the "Cash Fee") as received by the Company from
Agent's Proposed Investors. The Company shall also issue the Agent one common
stock purchase warrant for each $10.00 worth of Notes sold to Investors
introduced to the Company by Agent. Each warrant will be excercisable to
purchase one share of the Company's common stock until December 31, 2005 at a
price equaling $1.00 per share (the "Warrants").

     3.2 The Warrants upon issuance, shall immediately vest in favor of the
Agent, be fully paid, non-assessable, and free of any restrictions on transfer,
but for those restrictions that are the result of state or federal securities
laws. The Warrants shall be issued to Agent in the form of a warrant agreement
(the "Warrant Agreement"), which shall be in a form and content reasonably
satisfactory to Agent and its counsel. The Warrant Agreement shall provide for,
among other provisions, the above terms and the following: (1) The Warrant shall
expire December 31, (2) The Warrant shall have customary anti-dilution
provisions for stock dividends, splits, mergers, and sale of substantially all
assets of the Company (3)


                           J.P. TURNER & COMPANY, LLC
                3060 PEACHTREE ROAD, 11th FLOOR, ATLANTA, GA 30305
                     PHONE: 404-479-8300 FAX: 888-704-7512


<PAGE>



Ashcroft Homes Corporation
Financial Representative Agreement
December 22, 2003
Page 3

Agent may exercise the Warrant at any time after signing the Warrant Agreement
(4) The Warrants shall contain a "CaS111eSS Exercise" provision (5) The Company
shall reserve, and at all times have available, a sufficient number of shares of
its common stock to be issued upon the exercise of the Warrant and (6) The
Company shall grant unlimited "piggy back" registration rights, at the Company's
expense, to include the shares of the underlying common stock in any
registration statement filed by the Company under the Securities Act of 1933
relating to an underwriting of the sale of shares of common stock or other
security of the Company.

4.0 OTHER

     4.1 Any arrangements made by the Company with any broker or other persons
with whom the Company is or may be involved are the total responsibility of the
Company. Upon payment made by the Company to Agent of Agent's fee, Agent will
hold the Company free and harmless from any and all claims, liabilities,
commissions, fees, or expenses in connection with the transaction from any party
who alleges a relationship with or through Agent and the Investors.

     4.2 The Company shall also prepay or reimburse Agent for all necessary
expenses which are pre-approved by the Company, including, without limitation,
acceptable travel and lodging, printing, legal, and mailing cost, that Agent may
incur in performance of the Services under this Agreement.

     4.3 The Company shall supply to Agent, logos, trademarks, slogans, and
similar designs of itself and all subsidiaries and agrees to Agent's perpetual
use thereafter in "Tombstones" that reflect the Agent's fundraising efforts.

     4.4 Either the Company or the Agent can terminate this Agreement for any
reason by providing not less than 45 days prior written notice to the other
party.

     4.5 In the event of any dispute between the Company and Agent arising under
or pursuant to the terms of this Agreement, or any matters arising under the
terms of this Agreement, the same shall be settled only by arbitration through
NASD Dispute Resolution in Fulton County, City of Atlanta, State of Georgia, in
accordance with the Code of Arbitration Procedure published by NASD Dispute
Resolution. The determination of the arbitrators shall be final and binding upon
the Company and Agent and may be enforced in any court of appropriate
jurisdiction. This Agreement shall be construed by and governed exclusively
under the laws of the State of Georgia, without regard to its conflicts of law
provisions. The venue shall be in Fulton County, GA.

     4.6 This Agreement contains the entire agreement between Agent and the
Company concerning the introduction of Investors to the Company and correctly
sets forth the rights and duties of each of the parties to each other concerning
that matter as of this date. Any agreement or representation concerning the
subject matter of this Agreement or the duties of Agent to the Company in
relation thereto, not set forth in this Agreement, is null and void.

     4.7 The Company agrees that upon the Closing the Agent will be paid
simultaneously with the funding of the Company from the Offering. The Company
shall include in any agreement executed by the Company with any Investor
regarding the Offering a covenant requiring Agent to be paid its fees hereunder
either from the funds held in escrow pending the Closing or directly from the
Investors in accordance with the following wiring instructions:

        Account Name:                    J.P. Turner & Company, L.L.C.


                           J.P. TURNER & COMPANY, LLC
                3060 PEACHTREE ROAD, 11Th FLOOR ATLANTA, GA 30305
                      PHONE: 404-479-8300 FAX: 888-704-7512


<PAGE>



  Ashcroft Homes Corporation
  Financial Representative Agreement
  December 22, 2003
  Page 4

              Bank:                    Wachovia Bank of Georgia
              Address:                 4465 Buckhead Loop, Atlanta, GA 30326
              Phone:                   404-995-8740
              Fax:                     404-995-8755
              ABA Routing #:           061-000-010
              Account #:               186-834-16

     The Warrant shall be assigned to J.P. Turner & Company, L.L.C. and emailed
or mailed to the following address:

            powernajpturner.com
            -------------------

                    or

            J.P. Turner & Company, L.L.C.
            Attention: Patrick J. Power, Managing Director of Investment Banking
            3340 Peachtree Road, Suite 2300
            Atlanta, GA 30326
            Phone: 404-479-8300
            Fax:404-479-8345

     4.8 The Company agrees to indemnify and hold harmless Agent and each
person, if any, who controls Agent within the meaning of the Securities Act of
1933, as amended (the "Act"), its officers, employees, agents, and the Agent's
counsel (collectively, the "Agent and its Personnel") from and against any
losses, claims, damages or liabilities, joint or several (which shall, for all
purposes of this Agreement, include, but not be limited to, all reasonable costs
of defense, investigation and collection and all attorneys' fees), to which
Agent and its Personnel may become subject, under the Act or otherwise, insofar,
as such losses, claims, damages or liabilities (or actions in respect thereof);
(i) arising out of or are based upon any untrue statement or alleged untrue
statement of any material fact made by the Company its officers, employees,
agents, and the legal counsel; (ii) arising out of or are based upon any
omission or alleged omission of material fact necessary to make any statement
not misleading, made by the Company its officers, employees, agents, and its
legal counsel; (iii) arising in any manner out of or in connection with the
performing of services by Agent hereunder; (iv) arising out of or based upon any
violation of the representations and warranties of the Investor; and (v) arising
out of or are based upon any untrue statement or alleged untrue statement of any
material fact made by the Company their officers, employees, agents, and the
legal counsel.

     4.9 The Company shall include in any agreement executed by the Company with
any Investor regarding the Offering, the following representation: "Investor has
performed its own due diligence investigation and had the opportunity to ask
questions of the Company and its management -team and analyze their responses.
Investor has not relied on any representations- not made by the Company and that
are not expressly set forth in the purchase agreement. The Company has performed
its own due diligence investigation and had the opportunity to ask questions of
the Investor and its management team and analyze their responses. The Company
has not relied on any representations not made by the Investor and that are not
expressly set forth in the purchase agreement. Both parties to the purchase
agreement shall release and hold harmless J.P. Turner & Company, L.L.C. from and
against any losses, claims, damages or liabilities related to the Offering.
Furthermore, both parties recognize that the Agent only act as a finder and
other than introducing them, the Agent had and will have no further role."


                           J.P. TURNER & COMPANY, LLC
                3060 PEACHTREE ROAD, 11TH FLOOR ATLANTA, GA 30305
                     PHONE: 404-479-8300 FAX: 888-704-7512


<PAGE>



Ashcroft Homes Corporation
Financial Representative Agreement
December 22, 2003
Page 5

     If the foregoing is in accordance with your understanding, kindly confirm
your acceptance by signing and returning the Agreement, which will thereupon
constitute an agreement between us.


                                        Yours very truly,


                                        /s/ Patrick J. Power
                                        --------------------
                                        Patrick J. Power
                                        Managing Director - Investment Banking
                                        J. P. Turner & Company, LLC



Accepted and approved this  22nd  day of December, 2003 (the "Effective Date")

By: /s/ Richard O. Dean
    -------------------
Mr. Richard O. Dean
President
Ashcroft Homes Corporation
6312 South Fiddlers Green
Suite 500-N
Englewood, CO 80111






                           J.P. TURNER & COMPANY, LLC
                3060 PEACHTREE ROAD, 11TH FLOOR ATLANTA, GA 30305
                     PHONE: 404-479-8300 FAX: 888-704-7512


<PAGE>